413 N Elm St, Gardner, IL 60424 Property Records

Grundy County property record for 413 N Elm St, Gardner, IL 60424 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1,392 sqft · built 1972
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Tax Bill	$5,145 (2025)
Deeds & Mortgages	Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-04-407-005`

Property Details

APN / Parcel Number

Primary APN	`12-04-407-005`

Interior

Building Area	1,392 sqft Total Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	9,583 sqft (0.22 acres)

Location & Zoning

Street Address	413 N ELM ST
City	GARDNER
State	IL
Zip	60424-7048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TN GARDNER LT 3 BLK 7 SEC 4-31-8
Legal Range	08W
Legal Township	31N
Legal Section	04
Legal Subdivision	ORIGINAL TOWN GARDNER
Legal Block	7
Legal Lot Number	3
Jurisdiction	GRUNDY IL
Township / Civil Division	GARFIELD
Census Block Group	3
Census Block	3004
Census Tract	900

Owner

Source: Grundy County records · APN 12-04-407-005

Assessment roll updated June 30, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	413 N ELM ST, GARDNER, IL 60424-7048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Oct 10, 2014
Transfer Doc	0000550166
Record Updated	Sep 20, 2026

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRUNDY IL
Recording Date	Oct 04, 2017
Property Address	413 N ELM ST, GARDNER, IL 60424-7048
Document Number	0000572962
Instrument Date	Sep 21, 2017
Instrument	572962
Transaction Type	Transfer
Record Updated	Oct 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	413 N ELM ST GARDNER IL 604247048, GARDNER, IL 60424-7048

Mortgage

Document Number	572963
Date	Oct 04, 2017
Instrument	572963

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 03, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Grundy County records · Assessment roll updated June 30, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Grundy County
County Subdivision	Garfield Township
Municipality	Gardner Village
Elementary School District	Gardner Community Consolidated School District 72C (KG - 08)
Secondary School District	Gardner-South Wilmington Township High School District (09 - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,145.00 (+48.87%)	$62,771 (+30.32%) Land $6,929 Building $55,842	$188,313 (+30.32%) Land $20,787 Building $167,526
2022	$3,456.00 Homeowner's exemption	$48,167 Land $5,317 Building $42,850	$144,501 Land $15,951 Building $128,550

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Grundy County (17063C), updated September 30, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170630009003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Jun 2015, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 216 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Kraus Electronics Systems	Cable	2,500 / 50

May also be available at this address: Benton Ridge Telephone Company, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.